HOME LOAN/LAP

INDIVIDUAL CO-APPLICANT/GUARANTOR SHEET _______/_______/___________

This is in continuities to Loan Application Form No.: _______________________ DD MM YYYY
I hereby apply to IDFC FIRST Bank Limited (“The Bank”) to grant me Home Loan/Loan Against Property as mentioned in this Application Form. I furnish
my particulars as mentioned below.
PERSONAL DETAILS

 Co-Applicant  Guarantor  Co-Applicant  Guarantor

Property Owner -  Yes  No Property Owner -  Yes  No

TO
Relationship with Main Applicant: ___________________ Relationship with Main Applicant: __________

OT

O
PH
Are you an existing customer :  Yes  No Are you an existing customer :  Yes  No

PH
If yes, please provide the Loan Account If yes, please provide the Loan Account
(Please affix your photograph (Please affix your photograph
Number.: ________________________ and sign across it )
Number.:______________________ and sign across it )

Title:  Mr.  Ms.  Mr.  Ms.

 Others (Please specify) __________________________  Others (Please specify) __________________________________
___________________________________________________________
Name: ___________________________________________________
First Name Middle Name Last Name First Name Middle Name Last Name
Gender:  Male  Female  Transgender  Male  Female  Transgender
Date of Birth: ___ /_____/_______ E-mail ID: _______________________ _____ /_____ /______ E-mail ID ____________________________
DD MM Y Y Y Y DD MM Y Y Y Y
Marital Status:  Single  Married  Others  Single  Married  Others
No. of Dependants: ___________________________________________________ __________________________________________________________
Qualification:  Undergraduate  Graduate  Postgraduate  Undergraduate  Graduate  Postgraduate
 Others (Please specify) ______________________________________________  Others (Please specify) __________________________________
Current Residential: __________________________________________________ ___________________________________________________________

Address: __________________________________________________
District __________________________________________________
State: _____________________ City _________________________
Country _________________________ __ Pin ___________________
Landmark __________________________________________________
Citizenship __________________________________________________
Residence Details:  Rented  Self-owned  Parental
 Company Provided
Residential Status  Resident Individual  Non Resident Indian
 Foreign National  PIO
Number of Year(s) of Stability @ Residence : ______________
Telephone: STD Code: __________ No. __________________________________
Mobile: __________________________________________________
Father’s Name: __________________________________________________
First Name Middle Name Last Name
Spouse’s Name: __________________________________________________
Mother Name : __________________________________________________
Permanent __________________________________________________
Residence Address: __________________________________________________
(if different for current)District __________________ State______________
City ____________________________Pin _______________
Country __________Landmark ________________________
Residence Details:  Rented  Self-owned  Parental
 Company Provided  Others (Please specify) _____
Telephone: STD Code:____ No._______________________
Preferred Mailing
Address:  Current Residence  Permanent Residence
 OfficeAddress
Whether Relative to Director of IDFC FIRST Bank Ltd - Yes  No 
Whether Relative to Senior Management of IDFC FIRST Bank Ltd - Yes  No 
Debit Card Application - ATM/Debit Card (Applicable for Short & Sweet in
Home loan & Short & Sweet and Drop line Overdraft (DOD) in LAP)
Type of card:  Domestic Debit Card  International Debit Card
Mode of Operation:  Singly  Jointly  Either or Survivor
IDFCFIRST/APP-HL_LAP_Co-App/06012019/V.1
___________________________________________________________
District ____________________________________________________
State: ________________________________ City ________________
Country ________________________________ Pin _______________
Landmark ________________________________________________
__________________________________________________________
 Rented  Self-owned  Parental
 Company Provided
 Resident Individual  Non Resident Indian
 Foreign National  PIO
Number of Year(s) of Stability @ Residence : ______________
STD Code:__________ No. _________________________________
__________________________________________________________
___________________________________________________________
First Name Middle Name Last Name
__________________________________________________________
__________________________________________________________
___________________________________________________________
_______________________________________________________
District ______________________ State__________________
City _____________________________Pin _______________
Country __________Landmark ________________________
 Rented  Self-owned  Parental
 Company Provided  Others (Please specify)______________
STD Code:_________ No.__________________________________
 Current Residence  Permanent Residence
 Office Address
Whether Relative to Director of IDFC FIRST Bank Ltd - Yes  No 
Whether Relative to Senior Management of IDFC FIRST Bank Ltd - Yes  No 
Debit Card Application - ATM/Debit Card (Applicable for Short & Sweet
in Home loan & Short & Sweet and Drop line Overdraft (DOD) in LAP)
Type of card:  Domestic Debit Card  International Debit Card
Mode of Operation:  Singly  Jointly  Either or Survivor

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HOME LOAN/LAP

ADDRESS IN THE JURISDICTION DETAILS WHERE APPLICANT IS
RESIDENT OUTSIDE INDIA FOR TAX PURPOSE
 Same as Current Address  Same as Permanent Address
Address ___________________________________________________________
_________________________________________________________________
Landmark Area _____________________________________________________
City/Town/Village ___________________ District _________________________
Zip/Post Code _________________ State / UT ___________________________
Country _______________________
Identification document
cKYC Number : _________________________________________________________
PAN: __________________ (If not applicable, please provide duly filled form 60/61)
Voter ID: ______________________________________________________________
Aadhar Card: ___________________________________________________________
Driving License: _________________________________________________________
Driving License Expiry Date _______________________________________________
Passport: ______________________________________________________________
Passport Issue Date: ____________________________________________________
Passport Expiry Date ____________________________________________________
Others ________________________________________________________________
ADDRESS IN THE JURISDICTION DETAILS WHERE APPLICANT
IS RESIDENT OUTSIDE INDIA FOR TAX PURPOSE
 Same as Current Address  Same as Permanent Address
Address ________________________________________________
________________________________________________________
Landmark Area __________________________________________
City/Town/Village ______________ District ___________________
Zip/Post Code _________________ State/UT _________________
Country _______________________
__________________________________________________________
________________ (If not applicable, please provide duly filled form 60/61)
__________________________________________________________
__________________________________________________________
__________________________________________________________
__________________________________________________________
__________________________________________________________
__________________________________________________________
__________________________________________________________
__________________________________________________________

IDFCFIRST/APP-HL_LAP_Co-App/06012019/V.1
OCCUPATION DETAILS

Occupation:  Business  Professional  Self employed  Retired  Business  Professional  Self employed  Retired
 Housewife  Student  Public Sector  Pvt Sector  Housewife  Student  Public Sector  Pvt Sector
 Govt. Sector  Not Categorised  Govt. Sector  Not Categorised
Company Name:____________________________________________________ _______________________________________________________
Company/Entity Type:  Closely Held  Government  HUF  Closely Held  Government  HUF
 MNC Partnership  Private Ltd.  Public Ltd.-Unlisted  MNC Partnership  Private Ltd.  Public Ltd.-Unlisted
 Public Ltd. Listed  PSU  Proprietorship  Public Ltd. Listed  PSU  Proprietorship
 Others__________________________________________________________  Others _____________________________________________
Office Address: ____________________________________________________ _______________________________________________________
District _____________________________________________________________ District ________________________________________________
State __________________________ City _____________ Pin: ________________ State __________________ City ______________ Pin: _________
Landmark_____________________________________Country______________ Landmark_________________________Country______________
Telephone: STD Code: _________________ No. _________________________ STD Code: _____________ No. __________________________
If Salaried: Designation _______________________________________________ Designation ____________________________________________
Department _______________ Number of years in office ___________________ Department ________________ Number of years in office ________
If in work for less than 1 year, Name & Address of previous employer. If in work for less than 1 year, Name & Address of previous employer
___________________________________________________________________ _______________________________________________________
If Self-employed: Relationship to Business___________________________ Relationship to Business _________________________________
Number of years in Business __________________________________________ Number of years in Business ______________________________
Gross Annual Income: r_________________________________________ _______________________________________________________
Nature of Business:  Wholesaler  Retailer  Manufacturer  Wholesaler  Retailer  Manufacturer
 Services  Others _______________________________________________  Services  Others _________________________________
Industry/Profession: _________________________________________________ _____________________________________________________

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HOME LOAN/LAP

PRIORITY SECTOR LENDING

Direct Agri: (Agriculturist/Farmer/Agri allied activities like, dairy farming, Poultry farming, fishery, bee-keeping etc.) – Loans up to 02 crore
Indirect Agri: Service units like trader, Dealers/sellers of fertilizers, pesticides, seeds, cattle feed, poultry feed, agricultural implements
and other inputs – Loans 02 to 05 crore
Micro and Small Enterprise:
Please tick relevant box as per Investment* is upto or less than
Mfg. Service
Micro Upto 25 Lakh Upto 10 Lakh
Small Above 25 Lakh Upto 05 Crore Above 10 Lakh Upto 02 Crore
Medium Above 05 Crore Upto 10 Crore Above 02 Crore Upto 05 Crore
Basis of Identification CA Certificate MSME / SSI Certificate.
Housing Loan:
(* Mfg. Enterprise – Investment in Plant & Machinery, Service Enterprise – Investment in Equipment’s)
Value of Property up to 35 lakh to 25 lakh in Metro & Non Metro Cities respectively
Weaker Section:
i. Individual women beneficiaries up to 1 lakh ii. Loans to: SC ST Others
iii. Religion: Hindu Muslim Christians Zoroastrians Sikh Buddhists Jain Others (Please specify)_________
iv. if Minority communities: Yes No v. Annual household Income : __________________
vi. Preference category: Widow Working Disability Others (Please specify)

I/We understand that the above information may be required by the Reserve Bank of India, and I/We hereby confirm that the information
supplied by me/us is true. We hereby consent to receiving information from Central KYC Registry through SMS/Email on the above registered
number/email address.
AUTHORISATION
I hereby authorise the Bank, without any notice to me to conduct credit checks, references, make enquiries, in its sole discretion and also authorise the Bank and its agents
to share and obtain information, records from any agencies, statutory bodies, credit bureau, bank, financial institutions, or any third party in respect of the application, as
it may consider necessary the Bank shall not be liable for use/ sharing of the information. I authorise the bank and/ or its representatives, agents to communicate/ call/
SMS to me/ us with respect to this Application or any other promotional activities. I/we would like to know as well avail the benefits of various the Bank loan offer schemes
or loan promotional activities or any other promotional schemes and hereby authorize the Bank, its employees, agents, representatives and associates to do so. I confirm
that laws in relation to the unsolicited communication referred in “national Do Not Call Registry” as laid down by Telecom Regulatory of India will not be applicable for such
communications/calls/ SMSs received from the Bank, its representatives, agents. The Bank reserves the right to retain the photograph and documents submitted with
the Application and shall not returned back.The Bank shall be entitled at its sole and absolute discretion to approve/reject this Application Form submitted by Applicant/
Co-Applicant/Guarantor.I/we authorise the Bank to submit application/other relevant documents submitted by me to CERSAI. I/we hereby provide my consent to receive
information from Central KYC Registry through SMS/mail on the above registered number/email address. Debit Card Application - Declaration:

DECLARATION
I/We hereby declare and agree to the following on behalf of the Applicant(s).I/We declare that all the particulars and information given in the Application Form are true,
correct, complete and up-to-date in all respects and I/We have not withheld any information whatsoever. I/We confirm that no suit for recovery of outstanding dues or monies
whatsoever and/or criminal proceedings have been initiated and/or pending against the Applicant(s). I/We hereby confirm that no action or any steps have been taken or legal
proceedings started by or against the Applicant(s) in any court of law/other authorities for winding up, dissolution, administration or re-organisation or for the appointment of a
receiver, administrator, administrative receiver, trustee or similar officer or for Applicant(s)’ assets. I/We declare that I/We have not made any payment in cash, bearer, cheque
or kind along with or in connection with this Application except for the application fees mentioned for or Processing fees or any other fees prescribed in the Application Form
to the executive collecting my/our application/and I/We/Applicant(s) shall not hold the Bank liable for any such payment made by us to the executive collecting this application.
I/We understand and confirm that the Application Form and all other documents submitted by me/us to the Bank shall not be returned to me/us and the Bank shall have the
right to retain the same. That submission of loan application to the Bank does not imply automatic approval of the Bank and that the Bank will decide the quantum of the
loan at its sole and absolute discretion, the Bank in its sole and absolute discretion may either sanction or reject the application for granting the loan. in case of rejection ,
the Bank shall not be required to give any reason. In the case of loan cancellation, the applicable pro-rate interest charges on any outstanding loan amount will have to be
borne by me/us. I/We understand that Processing fees, stamp duty are non-refundable charges and would not be waived/refundable in case of loan cancellation or where
the loan has not been disbursed I/We have read the application form and brochures and are agreeable to all the terms/conditions of availing finance from the Bank/its Group
Companies.I/We undertake to inform the Bank/its Group Companies/its Agents regarding the change in Applicant(s)’ addresses and to provide any further information that
the Bank/its Group Companies/its Agents may require. I/We further declare and confirm that the credit facilities if any enjoyed by the Applicant(s) with other banks/financial
institutions/non banking finance companies has been disclosed hereinabove. I/We agree that the Bank may provide the credit facilities mentioned herein only if permitted
and if approved in the manner specified or required by the Reserve Bank of India from time to time. I/We agree and understand that the Bank reserves the right to reject this
application without assigning any reason (unless required as applicable). I/We confirm that I/we shall not use the credit facility (or any part thereof) for any improper, illegal
or unlawful purpose/activities/speculative or antisocial purpose.I/We have been read out and explained in the language known to me/us, the contents of the Application Form
for availing the loan from the Bank by me/us/by Mr./Ms. ______________________________________________________________________________(RO/SO name)
and I/we have signed the said Application Form after having understood them and by signing the same. I/We hereby confirm that I/we am/are competent and fully authorised
to give declaration, undertakings etc. and to execute and submit this Application Form and all other documents on behalf of the Applicant(s) for the purpose of availing loan,
creation of security and representing generally for all the purposes mentioned/required to be done for these presents

I/We hereby agree to abide by and be bound by all applicable rules/regulations/instruction/guidelines including but not limited to those issued by the Reserve Bank of India,
including the FEMA Regulations 2000 Governing EEFC Accounts, the Foreign Exchange Management Act, 1999 and Foreign Account Tax Compliance Act, 2010 (to the
extent applicable to India) and the Common Reporting Standards (CRS), in force from time to time. I/We confirm having declared our status as per the rules applicable under
section 285BA of the Income Tax Act, 1961 (the Act) as notified by Central Board of Direct Taxes (CBDT) in this regard.I/WE confirm that except to the extent disclosed to the
Bank, no director or a relative (as specified by RBI) of a director of a banking company (as specified by RBI) or a relative of a senior officer of the Bank (as specified by RBI)
is - the applicant(s), or a partner, managing agent, manager, employee, director of our concern, or of our subsidiary or our holding company, or a guarantor on my/our behalf,
or holds substantial interest in our concern or my/our subsidiary or holding company. Country of birth ________ Place of birth ___________ Country of residence as per tax
laws ________ Foreign TIN _______ TIN Issuing country _________I/We hereby agree to abide by and be bound by all applicable rules/regulations/instruction/guidelines
including but not limited to those issued by the Reserve Bank of India, including the Foreign Exchange Management Act, 1999 and Foreign Account Tax Compliance Act,
2010 (to the extent applicable to India) and the Common Reporting Standards (CRS), in force from time to time. I/We confirm having declared our status as per the rules
applicable under section 285BA of the Income Tax Act, 1961 (the Act) as notified by Central Board of Direct Taxes (CBDT) in this regard.

Signed and Delivered by the Borrower & Co- Borrower (s) in token of and in witness of them having read (and/or being explained), verified, understood, irrevocably agreed
to, accepted, confirmed and declared all the contents from Page 1 to 12 of Main loan application form, including most important terms and conditions contained therein and
authenticate the accuracy and correctness of the same.

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DSA/SO Name: Place:

Signature: Date:
Signature Here
1st Co - Applicant Name: Place:

Signature: Date:
Signature Here
2st Co - Applicant Name: Place:

Signature: Date:
Signature Here